My Portfolio: How Holdings, Value and Returns Are Calculated

My Portfolio tracks the money you actually have invested, across any broker. This page explains where its numbers come from: how holdings get in, how cost and profit are worked out, which two returns it shows and why they differ, how dividends are counted, and what the insights flag.

How holdings get in

• Import a file. A broker export (CSV or Excel), a PDF statement or a screenshot. CleaRank Financial AI works out which column holds the date, ticker, side, quantity and price, in any language, and you review every row before anything is saved. Importing the same file twice adds nothing the second time.
• Auto-sync a broker. A read-only key you create at your broker connects IBKR, eToro, Trading 212, Binance, Coinbase, Kraken or Bybit. Holdings refresh every day, and you can sync on demand.
• Add trades by hand. Ticker, date, quantity and price, for a handful of positions.

Cost, profit and value

Average cost. Each buy, plus its fees, raises your cost basis. Each sell removes shares at the average cost so far. That gives realized profit on what you sold and unrealized profit on what you still hold. For synced accounts, CleaRank uses the average cost your broker reports.

Value. Each holding is valued at the market price, delayed by up to a minute, and converted into your portfolio currency at the current exchange rate. When no price is available, CleaRank shows a dash rather than guess, and synced holdings fall back to the last price the broker reported.

Day change compares the latest price with the previous close.

The gain percentage. The gain is what you have made on prices: gains on what you hold plus gains already taken by selling. The percentage divides that gain by the most money you had in at any one time, meaning what you paid for buys minus what sales paid back, at its highest point. Measuring against the peak stops money you reinvest from being counted twice. Dividends are not in this figure; the Total gain on the Returns page adds them.

If your sells add up to more shares than the buys recorded before them, cost and profit cannot be right. CleaRank flags the holding so you can add the earlier buys or import a longer history.

Time-weighted and money-weighted returns

The Returns page shows two rates, because they answer different questions.

• Time-weighted return removes the effect of deposits and withdrawals, so it measures how the holdings themselves performed. Drawdown is measured on this line, from a high to the low that followed.
• Money-weighted return counts when you added and took out money, so it is the rate your own deposits actually earned. It is shown per year once your first trade is a year old.

The two drift apart when money moves at the wrong moment. Add a large deposit just before a fall and the money-weighted return ends below the time-weighted one, because more of your money was in for the fall.

Dividends

Received dividends are the ones paid on the shares you held on each ex-dividend date, before tax, in your portfolio currency. Expected dividends cover the next 12 months on the shares you hold today, from each holding’s usual schedule and its latest payment. Both are estimates of cash, not forecasts: companies raise, cut and skip dividends. For brokers that report holdings but not past trades, dividends already received are not known.

What the insights and the score measure

• Concentration. A single company or coin above 15% of the portfolio, or five holdings above 60% of your money, is flagged, because one company’s bad news can then move the whole account. Funds are spread over many companies, so a fund does not count as one company. The check-up’s suggested fix holds each company and coin to 10%.
• Currency exposure shows how much of your money is priced in currencies other than your own, since exchange-rate moves change your value even when prices do not.
• Crypto share shows how much sits in the most volatile asset class, and what a typical crypto fall of 50% would take off the whole portfolio at that weight.
• Cash shows how much is in cash or stablecoins, which cushions falls but earns little unless it is in an interest-bearing account.

The CleaRank score is a 0 to 100 grade from the checks clearank.com runs every day on the most traded stocks, ETFs, crypto and currencies. The checks are grouped by measure: valuation, momentum (RSI and MACD), what analysts rate and expect, and how steady an asset has been and how it recovered from falls; for funds, their costs, size and spread; for crypto, size, supply and distance from the high. Holdings outside that coverage show no score.

Security and limits

Auto-sync accepts read-only keys only, so CleaRank can never place trades or move money. Keys are encrypted with AES-256-GCM before they are stored, are never sent back to your browser, and are deleted the moment you disconnect.

Frequently asked questions

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CleaRank tools are for education and analysis. Nothing in this guide is financial advice.